The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Believe it or not, insurance companies still make money from insurance policies with cash back programs. This is because they charge more for the premiums than what you would expect to pay for a term insurance policy. Often, a cash back policy will cost 10 20 even up to to 50 % more than other insurance policies.With this extra money, the insurance company is able to invest the cash and make money.ave money and get cash back on your life insurance plans and save on premiums! We offer the best coverage from all major insurance carriers and specialize in cash back rate of return plans.